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Compare Commercial Insurance Agents in Rancho Santa Margarita, CA
Compare commercial insurance agents in Rancho Santa Margarita. Review contact information and insurance categorys before you decide.
17 agents listed
Updated May 2026
Rancho Santa Margarita, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 17 commercial insurance agents in Rancho Santa Margarita, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
Mashco Insurance Solutions Inc
31 La Cascada, Rancho Santa Margarita, CA 92688
(949) 838-4233
mashcoinsurance.com
George Menclewicz: Allstate Insurance
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(949) 459-2795
agents.allstate.com
Adam Bays - State Farm Insurance Agent
22521 Avenida Empresa Ste 105, Rancho Santa Margarita, CA 92688
(949) 305-8432
adambays.com
Farmers Insurance - Cameron Watson
30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
(800) 922-6526
agents.farmers.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
Proserv Insurance
23142 Arroyo Vista, Rancho Santa Margarita, CA 92688
(626) 446-1000
proservinsurance.com
Farmers Insurance - Renee Connell
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 888-6610
agents.farmers.com
totalinsuranceaccess
22342 Avenida Empresa #255, Rancho Santa Margarita, CA 92688
+234 714 990 4362
totalinsuranceaccess.com
Rischel Insurance Services
31441 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688
(949) 589-8763
Phillip Robinson Insurance Agency, Inc.
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
(949) 525-8072
Edson Insurance Services Inc.
23142 Arroyo Vista, Rancho Santa Margarita, CA 92688
(800) 696-7544
Farmers Insurance
30021 Tomas, Rancho Santa Margarita, CA 92688
(949) 581-4466
farmers.com
A commercial insurance agent in Rancho Santa Margarita helps local businesses find coverage that meets California legal requirements. California law mandates workers compensation insurance for most employers and commercial auto liability for business vehicles. An agent can guide you through these requirements and help protect your business assets.
What Does a Commercial Insurance Agent in Rancho Santa Margarita Cost?
Commercial insurance costs in California vary widely by industry, revenue, and risk profile. A small retail shop might pay 500 to 2,000 dollars per year for general liability, while a construction contractor could pay 5,000 to 15,000 dollars annually for a package policy. Workers compensation rates are set by the state but differ by classification code. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What types of commercial insurance do businesses in Rancho Santa Margarita need?
Common coverages include general liability, property insurance, workers compensation, and commercial auto. California law requires workers comp for businesses with one or more employees. An agent can assess your specific risks and recommend appropriate policies.
How do California laws affect commercial insurance for small businesses?
California has strict liability rules and a high minimum wage, which can increase claim costs. The state also requires specific endorsements for certain industries like construction and transportation. Your agent can help you comply with these regulations.
Can a commercial insurance agent help with business interruption coverage?
Yes, many agents offer business interruption insurance that covers lost income if your business must close due to a covered event. This is especially important for retail and service businesses in Rancho Santa Margarita. An agent can explain policy limits and waiting periods.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.